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31. 发明授权

US07527208B2 Bank issued contactless payment card used in transit fare collection 有权
标题翻译：银行发行非接触式支付卡，用于过境收费
公开(公告)号：US07527208B2
公开(公告)日：2009-05-05
申请号：US11566614
申请日：2006-12-04
申请人： Ayman Hammad , Phil Dixon , Brian Triplett
发明人： Ayman Hammad , Phil Dixon , Brian Triplett
IPC分类号： G06K19/06
CPC分类号： G06Q20/352 , G06Q20/12 , G06Q20/16 , G06Q20/227 , G06Q20/322 , G06Q20/325 , G06Q20/341 , G06Q20/3576 , G06Q20/367 , G07F7/1008
摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
摘要翻译：用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于支付商业交易。运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

32. 发明授权

US07482925B2 Apparatus and method to electromagnetically shield portable consumer devices 失效
标题翻译：用于电磁屏蔽便携式消费设备的装置和方法
公开(公告)号：US07482925B2
公开(公告)日：2009-01-27
申请号：US11165901
申请日：2005-06-24
申请人： Ayman Hammad , Phil Dixon
发明人： Ayman Hammad , Phil Dixon
IPC分类号： G08B13/14 , H01Q1/52 , H01Q7/04 , H01Q1/42 , H01Q1/40 , H03C1/52 , H04B1/02 , H04M1/00 , H04M1/66 , H04M1/68 , G06K5/00 , H05K9/00
CPC分类号： G06K19/07327 , G06K19/005 , G06K19/07735
摘要： An apparatus and method is provided to shield contactless portable electronic consumer devices such as radio frequency identification devices (RFID), tokens, mini-cards, key fobs, cellular phones, smartcards, etc. from wireless interrogation. In one embodiment, a contactless portable consumer device which includes a first antenna is shielded from unauthorized wireless interrogation with a radio frequency (RF) shield. The RF shield includes electrically conductive, non-ferromagnetic material and is configured to prevent unauthorized data transfer between a second antenna external to the portable consumer device and the first antenna.
摘要翻译：提供了一种用于屏蔽诸如射频识别装置（RFID），令牌，小卡，密钥卡，蜂窝电话，智能卡等非接触式便携式电子消费设备的装置和方法，从无线询问。在一个实施例中，包括第一天线的非接触式便携式消费者设备被屏蔽以防止使用射频（RF）屏蔽的未经授权的无线询问。 RF屏蔽包括导电非铁磁材料，并且被配置为防止便携式消费设备外部的第二天线与第一天线之间的未授权数据传输。

33. 发明授权

US10402813B2 System and method for enabling a mobile communication device to operate as a financial presentation device 有权
公开(公告)号：US10402813B2
公开(公告)日：2019-09-03
申请号：US16286606
申请日：2019-02-27
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： H04M3/42 , G06Q20/32 , H04W12/08 , H04W4/18 , G06Q20/38 , H04W12/04 , G06Q20/40 , H04L29/08 , H04L29/06
摘要： A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.

34. 发明申请

US20190108509A1 CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS 审中-公开
公开(公告)号：US20190108509A1
公开(公告)日：2019-04-11
申请号：US16211811
申请日：2018-12-06
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q20/36 , G06Q20/42 , G06Q20/38 , G06Q20/34 , G06Q20/12 , G06Q20/32 , G06Q20/22 , G06Q20/20
摘要： The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

35. 发明申请

US20190087827A1 CONTACT ALERT SYSTEM AND METHOD 审中-公开
公开(公告)号：US20190087827A1
公开(公告)日：2019-03-21
申请号：US16192687
申请日：2018-11-15
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/42 , G06Q40/00 , G06Q30/06 , H04W4/12
CPC分类号： G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q40/12 , H04W4/12
摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

36. 发明授权

US10095276B2 Information access device and data transfer 有权
公开(公告)号：US10095276B2
公开(公告)日：2018-10-09
申请号：US12953372
申请日：2010-11-23
申请人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
IPC分类号： H04B7/00 , G06F1/16 , G06Q20/10 , G06Q20/32 , G06Q20/38 , G06Q20/40 , G06Q20/42 , H04W12/08
摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.

37. 发明授权

US09773212B2 Secure anonymous transaction apparatuses, methods and systems 有权
公开(公告)号：US09773212B2
公开(公告)日：2017-09-26
申请号：US13407719
申请日：2012-02-28
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q40/00 , G06Q10/00
CPC分类号： G06Q10/00
摘要： The SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“SAT”) transform hardware-verified user authentication requests via SAT components into secure transaction notifications. In one implementation, the SAT obtains a secure anonymous transaction user authentication request. The SAT verifies the authenticity of a user, using the secure anonymous transaction user authentication request. The SAT obtains an authenticated purchase order, in response to which it generates a one-time anonymous card account. Using the one-time card account, the SAT generates an anonymized purchase order for a merchant, and provides the anonymized purchase order. On obtaining a purchase notification for the anonymized purchase order, the SAT provides a real-time notification for a user of the purchase notification. Also, on obtaining notification of a shipment related to the anonymized purchase order to an anonymized address, the SAT generates an order to re-route the shipment from the anonymized address to an actual shipment address of the user.

38. 发明申请

US20170255944A1 CONTACT ALERT SYSTEM AND METHOD 审中-公开
公开(公告)号：US20170255944A1
公开(公告)日：2017-09-07
申请号：US15463733
申请日：2017-03-20
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/42 , G06Q30/06 , G06Q40/00
CPC分类号： G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q40/12 , H04W4/12
摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

39. 发明申请

US20170004464A1 BEVERAGE HOLDER HAVING A CHIP UNIT FOR PERFORMING PAYMENT TRANSACTIONS 审中-公开
标题翻译：具有执行付款交易的芯片组的饮料持有人
公开(公告)号：US20170004464A1
公开(公告)日：2017-01-05
申请号：US15266982
申请日：2016-09-15
申请人： Zack Fuerstenberg , Ayman Hammad , Brian Triplett , Christopher M. Renton , Michael Stephenson
发明人： Zack Fuerstenberg , Ayman Hammad , Brian Triplett , Christopher M. Renton , Michael Stephenson
IPC分类号： G06Q20/10 , G06K19/07 , G06Q20/40 , G06Q20/32 , G06Q20/34
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
摘要： A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.
摘要翻译：饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。

40. 发明申请

US20160350809A1 MOBILE LOCATION NOTIFICATIONS SYSTEM AND METHOD 审中-公开
公开(公告)号：US20160350809A1
公开(公告)日：2016-12-01
申请号：US15213225
申请日：2016-07-18
申请人： Ayman Hammad , Prakash Prem Hariramani
发明人： Ayman Hammad , Prakash Prem Hariramani
IPC分类号： G06Q30/02 , G06Q20/40
CPC分类号： G06Q30/0261 , G06Q20/405 , G06Q30/0267 , G06Q30/0269 , G06Q30/0639
摘要： Embodiments of the invention are directed to systems, apparatuses, and methods for determining the location of a mobile merchant, and performing further processing based on the determined location. Transaction data for a transaction conducted by a mobile merchant is electronically received at a server computer. The server computer determines a location of the mobile merchant based on the transaction data, and performs further processing based on the location of the mobile merchant.

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